hello everyone, im a first time poster but felt compelled to sign up and reply to all these threads about toothfairy and ndr and the name escapes me for the moment but ill refer to all my correspondance and i think its marshall hoares debt collectors, i got a toothfairy loan at the beginning of the year that was paid onto my debit card, the same debit card they were going to take the payment from the following month, the money was there waiting for them however i was out of the country for a month and returned home to numerous e mails from toothfairy, 2 letters from NDR and one from Marshall Hoares, all in the space of just over 4 weeks, i called toothfairy to pay the original 600 odd quid i think it was but they refused to accept that and said it had been passed to NDR, i called to pay them and they informed me it was now £1004, i told them i could nt pay that and offered 2 installments however they then said it had been passed to marshall hoares baillifs, to the tune of just under 1300 quid. i paid this to them over 3 months and the debt is now cleared, however months on i see all these messages and wonder if i can claim any of these fee's back through the office of fair trading or something like that? sorry for waffling on however theres quite alot of info there, thanks for reading and any response would be greatly appreciated